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What is Personal Injury Protection Coverage?

Personal Injury Protection Coverage (“PIP”) is first-party coverage that is also extended to your passengers.  It covers your and your passenger’s medical bills and also includes payment for lost wages and other nonmedical costs. There is no right of subrogation associated with PIP coverage, with minimal exception, as opposed to coverage for medical payments, which is…
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What are the Basic Types of Auto Insurance Coverage Available for Purchase in Texas?

Understanding basic auto insurance coverage is important to be sure that you are in compliance with Texas law and also important to ensure you are adequately covered when an accident happens.  Here is a quick list of the eight basic types of auto insurance coverage. Liability coverage: This coverage is to cover third parties involved…
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What is Uninsured/Underinsured Motorist Coverage and What Does it Cover?

UM/UIM coverage provides coverage if you are hit by someone who did not have insurance or did not have enough insurance to pay your medical and car repair bills. It also provides cover if you are involved in a hit-and-run accident and are unable to identify the at-fault party.  The Texas Insurance Code requires UM/UIM…
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What Should I Do After a Car Wreck?

More and more drivers are on the roads after a long absence during the pandemic.  More and more drivers mean more and more accidents.  After a car accident occurs, it is important to take some critical steps, especially if the wreck wasn’t your fault.  Here’s a quick check list: Safety and Health First. It goes…
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